Workers' Compensation Insurance Coverage?

The Pennsylvania Compensation Rating Bureau (PCRB) published the following update in response to these questions. “The comments in this update are intended to clarify and/or provide instruction on PCRB’s current handling and insights. This continues to be a fluid situation and we are researching and evaluating appropriate treatment as more information becomes available.”


Are COVID-19 related claims covered? It depends on the situation. An illness caused by work exposures can be considered an injury or an occupational disease. Occupational diseases are those identified by the PA Workers' Compensation Act, as well as the diseases that occur more often in specific jobs or industries. Exposure to COVID-19, which resulted in the worker’s illness, would most likely be considered an injury, but could also be an occupational disease depending on the type of work performed. 


All other diseases, not specifically enumerated as occupational diseases, may also be entitled to coverage if it meets all three of the following elements:

  • to which the employee is exposed by reason of his employment; and
  • which are causally related to the industry or occupation; and
  • the incidence of which is substantially greater in that industry or occupation than in the general population.

Changes to Experience Ratings & Merit Ratings to Exclude Losses Applicable to COVID-19

  • All claims reported with Catastrophe Code No. 12 shall be excluded from experience rating calculations
  • COVID-19 Coronavirus disease 2019 (COVID-19) is a respiratory disease caused by a coronavirus